Counselors to America's Small Business
For the past 15 years my experience has been working with 3 different financial institutions in the problem loan workout department which focuses on borrowers that are experiencing some type of situation that is causing cash flow issues for the business which in turn puts the loan in a higher risk profile. In this role I analyzed business strategy, cash flow statements, business plans, and collateral positions of the borrower. From this experience I am able to work with borrowers to ensure that their business plans are comprehensive and to assist them in assessing where they may have a gap in operations or administration within their business. In addition, I have knowledge and experience with all types of lending partners for business owners from investors, to traditional lenders, to alternative lenders and factoring companies. I can assist business owners in putting together a strategy to ensure that they are able to secure the working capital needed to facilitate operation of their business and/or growth and expansion.
For 10 years prior to commercial lending, I was involved with consumer credit functions.
I am now a front end commercial lender with a community based bank.
BS in Education from the University of Akron
Numerous management training courses over the years
• Wide array of innovative business approaches due to work experience in various countries, cultures and different organizations; • Wrote grants/proposal; • Consistent record of forging strong business relationships with prospects and clients; • Worldwide marketing, business development and international strategist with more than 20 years of unique cross-functional expertise in computers, business development, management and sales, project management and leadership experience; • Ability to perform with a global perspective in a competitive and fast-paced business environment. Extensive international business experience, travel and exposure to different projects and cultures; • Successful record of leading teams in the development of high-quality deliverables and peak performance while focusing on responsibilities and commitments. • Foster professional growth through mentoring relationships and focus on training and development; • Competently juggle multiple projects while maintaining the uppermost emphasis on productivity and profitability.
• Turnarounds | Business Development | Strategic Planning | Management | Board Development | Organizational Development | Forecasting | Technology Adoption | Entrepreneurship | Growth Strategies • Sales Leadership | Channel Sales Strategies, Processes & Programs | Go-to-Market Strategies | Demand Generation | Marketing | Market-Segments | Social Media | Public Relations | Promotion | Creative Writing| • Prototyping |Financing | Communications | Market-Penetration |Packaging | Branding |New Product Analysis
PhD International College Major: Management Science MSM (MBA) Northrop University Major: Management, Marketing, Economics & Finance BSEE Northrop University Major: Electronics Engineering, Minor in Business DIP (ASEE) Lakehead University Major: Computer & Electronics Engineering Florida Teacher's Certification: Physics and Mathematics (Held)
CPA and attorney with over 23 years of extensive advisory and management experience within three Big 4 professional services firms and two Fortune 500 health/managed care and life insurance corporations . Well-rounded leadership experience in M&A, start-up advisory, provider development, internal controls, accounting and financial analysis.
• The Wharton School, University of Pennsylvania, - (MBA), • Law School, Obafemi Awolowo University, Nigeria • CPA (Virginia), • Certified Internal Auditor • Attorney (State of New York) • Certified Fraud Examiner (CFE)
I have extensive experience in managing financial institutions having held ownership positions in several small Kansas banks. I was President of First Community Bank, Emporia, Ks; President of Commerce Savings & Loan, Shawnee, Ks: president of Los Alamos National Bank, Los Alamos, NM. At various times I owned a small insurance agency, a small real estate agency and continue to own an 18 unit shopping center in Topeka, Ks with my son & wife. In between ownership in the banks I worked as a bank consultant doing business plans, budgets and policies for several Kansas banks.
I am a graduate of Kansas State University with a BS in agricultural economics, post graduate studies in economics at Wichita State University and a graduate degree in banking and finance from the Southwestern Graduate School of Banking, Southern Methodist University.
I have over 50 years of retail experience. From working for my father when I was in middle and high schools to being the Chief Operating Officer of three major retailers, I have developed a wide range of skills that span other industries. I love to help business managers solve problems and to build teams making operations more efficient and more profitable. My areas of responsibility have included Finance, IT and E-business support, Logistics, Human Resources, Loss Prevention, Store Operations, Real Estate & Leasing, Store Planning and Construction. I am an avid golfer and not so avid of a fly fisherman and photographer.
Held multiple positions in all phases of operations, primarily manufacturing over a period of 18 years.. Management and start up, integration and team development within multiple locations in USA and Canada. Manager of Business Development Center while in New Zealand, (2003-2012) providing business planning, facilitation, training workshops and resources to small - medium businesses - 6 years. Project Management for District Economic Development Trust fostering regional business growth. Business Mentor in New Zealand and Pacific Islands - 7 plus years - across industry sectors. Independent contractor and business coach, conducting web based business risk assessments with follow up coaching. Follow up coaching sessions from small business workshops. 2012 - 2015 Warehouse, Supply Chain Management, Production Enhancement - Implementation of systems and team building for Plastics Injection Molding Company.
<p> </p> <p> <span> Dunedin Teachers University, Dunedin New Zealand - Graduate with Distinction</span></p> <p> <span> Quinnipiac College, Hamden, CT - major Accounting / Human Resources</span></p> <p> <span>Varied Professional Development Training/Educational sessions throughout career</span></p> <p> <span> </span></p> <p> </p>
B.S. in Accounting from University of Southern NH</p>
Applying in the best interest of my employer my unique combination of professional training as a lawyer, tax specialist and MBA in areas such as: International Tax, tax planning including analysis of foreign tax credits and earned income exclusion, expatriation and dual –residency filing. Pre and post residency planning. Preparation of U.S. federal income, payroll and Estate taxes, foreign national residing in the U.S., pre immigration and expatriation. Business valuations, mediations and Litigations support and marital dissolution services. Also notable paralegal training experiences under Employment/Family based petitions, WAVA and Political Asylum for Hispanics. Small business advisory, risk management, business activity, quantitative and qualitative reasoning, management decisions, organizational performance and strategic planning.
UNIVERSITY OF PHOENIX, AZ (SOUTH FLORIDA CAMPUS)
2013 Masters in Business Administration
UNIVERSIDAD CENTRAL DE VENEZUELA, CARACAS, VENEZUELA
1999 Masters in Taxation
UNIVERSIDAD CATOLICA ANDRES BELLO
1999 Masters in Public Law
UNIVERSIDAD CATOLICA ANDRES BELLO
1994 Abogado (equivalent of a U.S. Juris Doctor degree)
FIS Evaluation Report available
Elected member of Delta Mu Delta Honor Society in Business Administration
Lambda Sigma Chapter
NSHMBA National Society of Hispanic MBA’s
I practiced business and real estate law with a large firm and then a small firm for 20 years. I then became the president of a real estate development firm. We developed projects ranging from single and multi-family residential through commercial,industrial and raw land. I handle all major contract negotiations and financing. In addition I managed all litigation from construction defects through insurance claims.
I have a B.S. in business administration from University of California at Berkeley. I received a JD from Harvard Law School where I was a member of the Law Review.</p>